SBI Gold Credit Card 2025 – Updated Details, Benefits & Application Guide

Suppose you have an SBI Gold Credit Card and ₹45,000 outstanding across three high-cost cards. For simplicity, you opt for the Balance Transfer facility on your SBI Gold Credit Card, which charges 0% interest for the initial 3 months. You choose to repay the ₹45,000 in 12 simple EMIs of ₹3,750 each.

After 3 months, the interest rate jumps to 18% per year, adding ₹506 interest each month. There's also a 3% balance transfer fee, which comes to ₹1,350. Even with these charges, you still save compared to high interest rates on your other cards.

With the SBI Gold Credit Card, you don't just merge your debt into easy payments; you get to shop, travel, and have the flexibility of converting big spends into EMIs. To top it off, you get an add-on card for free for your loved ones, an IRCTC ticket booking facility, and the convenience of easy money. 

It's all about keeping your finances more straightforward and more convenient!

What is an SBI Gold Credit Card?

The SBI Gold Credit Card is intended to serve your shopping and travel requirements with various special privileges. They offer a complimentary add-on card, a balance transfer on EMI, easy money facility, and the option to order IRCTC tickets for home delivery. With Flexipay, you are allowed to turn big purchases into EMIs. 

This card offers an instant solution for shoppers and travellers alike. In this article, we’ll cover the unique features of the SBI Gold Credit Card, the application process, eligibility criteria, and details of its fees. Enjoy hassle-free payments and enhanced convenience with this versatile credit card.

Key Features and Benefits of SBI Gold Credit Card

Fees of the SBI Gold Credit Card

Here's the information about fees on the SBI Gold Credit Card in a table format

Eligibility Criteria to Apply for SBI Gold Credit Card

• The primary applicant must be over 21 years old, while supplementary/add-on applicants should be over 18 years old.
  
  
• To continue availing the privileges of your SBI Gold Credit Card, you must have an Average Quarterly Balance (AQB) of ₹5 Lakhs or above in your deposits. Or, you can fulfill the eligibility by having a minimum of ₹25,000 in your Savings Account or having a housing loan of ₹25 Lakhs or above.

Documents Required to Apply for SBI Gold Credit Card

• PAN Card and a copy of Aadhaar Card (with the first 8 digits masked) or any valid government-issued address proof.

Disclaimer: The bank has discontinued the SBI Gold Credit Card.

When a bank closes a credit card, it closes the account, ending the cardholder's relationship with the bank.

Here's what generally occurs

• The bank warns the cardholder if the card hasn't been used for over a year.
• The cardholder is allowed to respond within 30 days.
• If no response is made, the bank closes the account.

What happens to your credit when your card is cancelled?

• When the card gets cancelled, the available credit for that particular card is deducted from your overall available credit. Your overall credit utilisation ratio can end up being raised. If this ratio exceeds 70%, it may hurt your credit score.

Customer Care Details related to SBI Gold Credit Card

To contact SBI Gold credit card customer care, you can:

By Phone:

• Call 1800-180-1290 or 1860-180-1290 if your card is lost or stolen.
• Call 39 02 02 02 (with your local STD code) if you suspect fraudulent activity.
• Follow the voice prompts for credit card services.

By Email:

• For general or non-urgent issues, email customercare@sbicard.com.
• You can also email feedback@sbicard.com, gm.customer@sbi.co.in, or contactcentre@sbi.co.in to share feedback or concerns.

Conclusion

The SBI Gold Credit Card provides excellent shopping and travel benefits such as simple EMI facilities, balance transfers, and even IRCTC ticket bookings. You get free add-on cards for your family members and can convert large purchases into easy EMIs. 

With low interest rates on balance transfers, it is an excellent debt management tool. But watch out for the charges, and make sure you are eligible. 

Although the card is no longer available, learning about its characteristics can still be helpful for existing account holders. Call customer service for help, and have a convenient, flexible means of controlling your spending.

FAQs related to SBI Gold Credit Card

Q1: What are the benefits of the SBI Gold Credit Card?

The SBI Gold Credit Card offers the convenience of one-tap international transactions, making it convenient to make payments. You can also have repayment flexibility with the easy EMI facility for your lifestyle and travel expenses. It even provides you with a low rate of interest on transferring outstanding credit card balances, which helps you repay your debt more efficiently.

Q2: Who is eligible for a Gold Credit Card?

Gold or platinum credit cards are usually reserved for those with a good credit history. While some of the most elite cards are invitation-only, others are available and can be applied for with a good credit history.

Q3: Why is a Gold Credit Card significant?

A Gold Credit Card belongs to the elite category, with additional benefits such as increased insurance coverage, special privileges, and privileged discounts. Though having a Gold card carries prestige, it tends to have increased costs and charges as opposed to other cards.

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